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TDECU Checking Accounts

TDECU Checking Accounts

Checking accounts that work for you

Get the most from your checking account

Your checking account should offer more than day-to-day banking features – it should support your financial goals. With no monthly minimums, surcharge-free ATMs and the option to earn up to 12.5x the national average on your account balances, TDECU is here to help you on your financial journey. Choose from our flexible checking account options, including high-yield, classic, teen and business accounts. Looking for other ways to save or earn rewards? Check out our savings accounts and Mastercard® credit cards.

All TDECU Checking Accounts feature these benefits:

Up
to
1.00%

Annual Percentage Yield (APY)

$0

Minimum Balance

55,000+

Surcharge-free ATMs Worldwide

Compare checking accounts

Checking account options that support your financial goals.

 

High-Yield Checking

A checking account that yields 12.5x more than the national average2.

Minimum Opening Deposit

$1.00

Interest Rate

0.99%

APY

1.00%

Monthly Fee

$0

 

Classic Checking

A personal checking account that frees you of unnecessary fees.

Minimum Opening Deposit

$1.00

Interest Rate

0.02%

APY

0.02%

Monthly Fee

$0

 

Elements Teen Checking

A checking account to help teens, ages 13-17, develop solid financial habits.

Minimum Opening Deposit

$5.00

Interest Rate

0.10%

APY

0.10%

Monthly Fee

$0

 
 
 

High-Yield Checking

Classic Checking

Elements Teen Checking

A checking account that yields 12.5x more than the national average2.

A personal checking account that frees you of unnecessary fees.

A checking account to help teens, ages 13-17, develop solid financial habits.

Minimum Opening Deposit

$1.00

Minimum Opening Deposit

$1.00

Minimum Opening Deposit

$5.00

Interest Rate

0.99%

Interest Rate

0.02%

Interest Rate

0.10%

APY

1.00%

APY

0.02%

APY

0.10%

Monthly Fee

$0

Monthly Fee

$0

Monthly Fee

$0

Features and Services for Checking Account Holders

In addition to no minimum balance requirements, TDECU checking accounts also include the following services and benefits:

Get paid early

With direct deposit, your paycheck could appear in your TDECU deposit account up to 2 days earlier.3

Keep tabs on your account activity

Sign up for Visa® Purchase Alerts to monitor your spending, daily balance, or detect fraudulent activity in real-time.

Pay with your mobile device

TDECU Mobile Pay allows you to make payments with just a wave of your phone. Access the Digital Banking app anytime, anywhere for mobile check deposits and online bill pay.

Protect your account when the unexpected happens

With Courtesy Pay, TDECU will cover check, debit card or ACH transactions that won’t clear due to insufficient funds.

Manage your money on the go

  • Transfer money between accounts
  • Deposit checks directly from your mobile device
  • Pay bills
  • Access your account statements from anywhere, at anytime
  • Track spending and create budgets
  • Create custom alerts to stay on top of your finances
Learn About Digital Banking
Looking for a checking account for your business?

Learn more about our business checking account options

Learn how to balance your checking account.


1APY = Annual Percentage Yield.

2Must be at least 18 years of age to open a High-Yield Checking (HYC) account with a limit of one account per Member. Requirements to earn highest APY include enrollment in eDocuments, recurring direct deposit with an aggregated total of $500 or more per month that posts to your HYC account, and a minimum of 10 debit card point-of-sale withdrawal transactions of $1 or more per month. Highest APY includes 1.00% on HYC balances ≤$20,000; 0.25% on HYC balances >$20,000; 1.00% APY on primary savings balances ≤$50,000; 0.25% APY on primary savings balances >$50,000. If requirements are not met, accounts will earn an APY of 0.02% on HYC balances and 0.10% on primary savings balances. Account-holders will receive a maximum rebate of $30 per month on non-TDECU ATM fees. Other terms/conditions apply. Contact TDECU for complete details.

3 Faster access to funds is based on a comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct Deposit and earlier availability of funds are subject to payer’s support of the feature and timing of payer’s submission of deposits. We generally post such deposits on the day they are received which may be up to 2 days earlier than the payer’s scheduled payment date. Exceptions may apply.

New Forward Checking accounts are no longer offered. However, we invite you to check out our new High-Yield Checking account which offers higher rates and additional benefits, all without a monthly fee! Members with Forward or Classic Checking are encouraged to upgrade to a High-Yield Checking account. Should you have questions about upgrading or your existing account, please call us at (800) 839-1154.

For our High-Yield Checking accounts only, members qualify for Identity Theft Recovery Services; see the Member Handbook for additional information regarding this benefit.

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